Credit Analyst is responsible for the preparation of the credit proposal package including credit analysis (spreading of financial statements, financial and credit rating analysis, portfolio monitoring, etc.) for both existing and new clients of the Bank.
Primary Role Responsibilities
Prepare rigorous and synthetic credit proposals with accurate and comprehensive analysis in line with the bank policies, including analysis of financial statements, industry, economic data and identification, analysis and presentation of all key risks.
Spreading of financial statements
Understanding and running RAROC simulations
Proposing to the credit committee appropriate ratings & GRR, using internal tools and Credit Analyst’s judgment.
Ensure that annual review / transactions deadlines are met
Perform portfolio reviews, periodic covenant checks, and security monitoring as required in line with approval conditions of respective files
Maintain good knowledge and understanding of the bank policies, processes, risk rating tools, etc.
Communicate reliably and professionally with both internal and external clients
Monitor clients’ credit evolution and immediately alert the management for any early warning signals. This includes, but not limited to, timely update of financial spreadsheets, regular compliance checks on financial covenants, change in ratings, or any major event or material evolution.
Other contributions
Presentation of Credit Proposals to Credit Committees.
Meet clients jointly with Relationship Managers, when and where possible, to deepen the understanding of a credit.
Participation in discussions on potential deals.
Participation in projects linked to improving credit process efficiency.
To contribute to any other portfolio or credit administrative and statistical works as required by management from time to time.
Contribute to the Permanent Control framework.
What is required for you to succeed?
Technical and behavioral competencies
Minimum 5 years of experience in corporate banking or credit analysis, preferably with global financial institutions or credit rating agencies
Professional working proficiency in English language
Strong financial statement analysis and corporate credit assessment skills
Solid understanding of banking products, loan structures, and credit agreements
Advanced financial modeling and projection skills
Proficiency in Microsoft Word and Excel
Excellent written and verbal communication skills
Team player, able to work independently and engage constructively with senior stakeholders
Required education/certification/licenses
Bachelor’s degree in Business Administration, Finance, Accounting, Economics or a related filed required
Master’s degree (MBA or equivalent) preferred
About BNP PARIBAS
As the leading European Union bank, and one of the world’s largest financial institutions with an uninterrupted presence in the region since 1860, BNP Paribas offers a wide range of financial services for corporate, institutional and private investors spanning corporate and institutional banking, wealth management, asset management and insurance.
We passionately embrace diversity and are committed to fostering an inclusive workplace where all employees are valued and encourage applicants of all backgrounds, including diversity of origin, age, gender, sexual orientation, gender identity, religion applicants who may be living with a disability. We have a number of internal employee networks in place to empower our staff to act and challenge the status quo.
• BNP Paribas PRIDE is highly active in favour of the LGBTQIA+ community
• BNP Paribas MixCity which fosters better representation of women at all levels of the organization
• Ability, the mutual aid network for employees with a disability or a disabling or chronic illness
• BNP Paribas CulturAll which celebrates diverse backgrounds
BNP is committed to financing a carbon-neutral economy by 2050. The Group is a founding member of the Net-Zero Banking Alliance and has set up its own Low Carbon Transition Group to support its clients through their energy transitions.
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Award Obtained
BNPP has won Top employer Europe award in a 10th consecutive year
BNP Paribas
Leader in banking and financial services in Europe, BNP Paribas operates in 64 countries and has nearly 178,000 employees, including more than 144,000 in Europe. The Group has key positions in its three main fields of activity: Commercial, Personal Banking & Services for the Group’s commercial & personal banking and several specialised businesses including BNP Paribas Personal Finance and Arval; Investment & Protection Services for savings, investment and protection solutions; and Corporate & Institutional Banking, focused on corporate and institutional clients.
Based on its strong diversified and integrated model, the Group helps all its clients (individuals, community associations, entrepreneurs, SMEs, corporates and institutional clients) to realise their projects through solutions spanning financing, investment, savings and protection insurance. In Europe, BNP Paribas has four domestic markets: Belgium, France, Italy and Luxembourg.
The Group is rolling out its integrated commercial & personal banking model across several Mediterranean countries, Türkiye, and Eastern Europe. As a key player in international banking, the Group has leading platforms and business lines in Europe, a strong presence in the Americas as well as a solid and fast-growing business in Asia-Pacific. BNP Paribas has implemented a Corporate Social Responsibility approach in all its activities, enabling it to contribute to the construction of a sustainable future, while ensuring the Group's performance and stability.
